Payment System Indicators - October 2021 - आरबीआई - Reserve Bank of India
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Payment System Indicators - October 2021
| PART I - Payment System Indicators - Payment & Settlement System Statistics | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2020-21 | 2020 October | 2021 | 2021 | FY 2020-21 | 2020 October | 2021 | 2021 | |
| September | October | September | October | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Settlement Systems | ||||||||
| Financial Market Infrastructures (FMIs) | ||||||||
| 1 CCIL Operated Systems | 27.97 | 2.44 | 3.21 | 2.85 | 161943141 | 12416671 | 16683094 | 16600978 |
| 1.1 Govt. Securities Clearing | 11.55 | 1.06 | 1.37 | 1.04 | 110634315 | 8849617 | 11404584 | 11415739 |
| 1.1.1 Outright | 6.28 | 0.61 | 0.90 | 0.55 | 10032187 | 900488 | 1127485 | 745937 |
| 1.1.2 Repo | 2.84 | 0.27 | 0.25 | 0.25 | 43751173 | 4108317 | 3885956 | 3822009 |
| 1.1.3 Tri-party Repo | 2.43 | 0.18 | 0.22 | 0.23 | 56850956 | 3840812 | 6391143 | 6847793 |
| 1.2 Forex Clearing | 16.04 | 1.36 | 1.77 | 1.73 | 48903961 | 3435633 | 4826170 | 4736040 |
| 1.3 Rupee Derivatives @ | 0.38 | 0.02 | 0.07 | 0.08 | 2404865 | 131420 | 452340 | 449200 |
| B. Payment Systems | ||||||||
| I Financial Market Infrastructures (FMIs) | ||||||||
| 1 Credit Transfers - RTGS | 1591.92 | 138.22 | 174.57 | 184.11 | 105599849 | 8496046 | 11069631 | 10134368 |
| 1.1 Customer Transactions | 1573.47 | 136.54 | 173.33 | 182.90 | 91008367 | 7226105 | 9838858 | 8956918 |
| 1.2 Interbank Transactions | 18.45 | 1.68 | 1.24 | 1.22 | 14591482 | 1269941 | 1230773 | 1177450 |
| II Retail | ||||||||
| 2 Credit Transfers - Retail | 317867.74 | 28646.32 | 45720.72 | 52919.52 | 33504226 | 2993166 | 3495969 | 3748602 |
| 2.1 AePS (Fund Transfers) @ | 11.31 | 1.02 | 0.98 | 0.86 | 623 | 57 | 57 | 49 |
| 2.2 APBS $ | 14372.99 | 961.85 | 781.62 | 1192.91 | 111001 | 5531 | 6199 | 7519 |
| 2.3 IMPS | 32783.47 | 3189.72 | 3848.84 | 4306.71 | 2941500 | 274645 | 324096 | 370712 |
| 2.4 NACH Cr $ | 16465.44 | 1015.89 | 1171.57 | 1660.26 | 1216535 | 91438 | 91281 | 122519 |
| 2.5 NEFT | 30927.89 | 2761.65 | 3359.54 | 3574.46 | 25130910 | 2235389 | 2419688 | 2476397 |
| 2.6 UPI @ | 223306.64 | 20716.19 | 36558.17 | 42184.32 | 4103658 | 386107 | 654648 | 771407 |
| 2.6.1 of which USSD @ | 10.45 | 0.97 | 1.14 | 1.11 | 172 | 16 | 16 | 16 |
| 3 Debit Transfers and Direct Debits | 10456.54 | 920.15 | 987.44 | 979.36 | 865520 | 79305 | 84660 | 85776 |
| 3.1 BHIM Aadhaar Pay @ | 160.84 | 10.55 | 19.39 | 21.49 | 2580 | 192 | 440 | 560 |
| 3.2 NACH Dr $ | 9645.75 | 848.34 | 878.31 | 865.69 | 862027 | 79022 | 84068 | 85103 |
| 3.3 NETC (linked to bank account) @ | 649.96 | 61.26 | 89.74 | 92.18 | 913 | 91 | 152 | 114 |
| 4 Card Payments | 57,786.60 | 5,650.70 | 5,337.50 | 6,008.76 | 12,91,799 | 1,33,792 | 1,42,817 | 1,77,413 |
| 4.1 Credit Cards | 17,641.06 | 1,718.03 | 1,847.21 | 2,155.81 | 6,30,414 | 64,652 | 80,228 | 1,00,943 |
| 4.1.1 PoS based $ | 8688.81 | 818.33 | 961.53 | 1075.23 | 280769 | 26956 | 31742.90 | 38442.37 |
| 4.1.2 Others $ | 8952.25 | 899.70 | 885.68 | 1080.58 | 349645 | 37696 | 48484.85 | 62500.41 |
| 4.2 Debit Cards | 40,145.54 | 3,932.66 | 3,490.29 | 3,852.95 | 661385 | 69141 | 62589 | 76471 |
| 4.2.1 PoS based $ | 20773.50 | 1983.98 | 2053.00 | 2302.56 | 377630 | 37110 | 38591 | 47226 |
| 4.2.2 Others $ | 19372.04 | 1948.68 | 1437.29 | 1550.39 | 283755 | 32031 | 23998 | 29245 |
| 5 Prepaid Payment Instruments | 49,742.55 | 4,623.12 | 4,934.60 | 6,131.06 | 197696 | 17802 | 30273 | 26372 |
| 5.1 Wallets | 39987.01 | 3639.89 | 3884.65 | 4888.97 | 152065 | 13718 | 25645 | 21702 |
| 5.2 Cards | 9,755.54 | 983.23 | 1,049.96 | 1,242.09 | 45631 | 4084 | 4628 | 4670 |
| 5.2.1 PoS based $ | 607.15 | 50.99 | 94.43 | 64.58 | 10591 | 947 | 825 | 998 |
| 5.2.2 Others $ | 9148.39 | 932.24 | 955.52 | 1177.51 | 35040 | 3136 | 3803 | 3672 |
| 6 Paper-based Instruments | 6,703.70 | 643.08 | 624.10 | 635.20 | 5627108 | 524090 | 566468 | 582604 |
| 6.1 CTS (NPCI Managed) | 6702.54 | 643.08 | 624.10 | 635.20 | 5625859 | 524090 | 566468 | 582604 |
| 6.2 Others | 1.17 | 0.00 | 0.00 | 0.00 | 1249 | 0 | 0 | 0 |
| Total - Retail Payments (2+3+4+5+6) | 4,42,557.14 | 40,483.36 | 57,604.36 | 66,673.91 | 41486348 | 3748156 | 4320187 | 4620768 |
| Total Payments (1+2+3+4+5+6) | 4,44,149.06 | 40,621.58 | 57,778.93 | 66,858.02 | 147086197 | 12244202 | 15389818 | 14755136 |
| Total Digital Payments (1+2+3+4+5) | 4,37,445.36 | 39,978.50 | 57,154.83 | 66,222.82 | 141459089 | 11720112 | 14823351 | 14172532 |
| PART II - Payment Modes and Channels | ||||||||
|---|---|---|---|---|---|---|---|---|
| Volume (lakh) | Value (₹ crore) | |||||||
| FY 2020-21 | 2020 October | 2021 | 2021 | FY 2020-21 | 2020 October | 2021 | 2021 | |
| September | October | September | October | |||||
| 1 | 2 | 3 | 4 | 1 | 2 | 3 | 4 | |
| A. Other Payment Channels | ||||||||
| 1 Mobile Payments (mobile app based) | 2,58,033.70 | 22,801.51 | 39,989.49 | 44,750.88 | 92,01,212 | 7,98,327 | 11,78,882 | 13,44,959 |
| 1.1 Intra-bank $ | 25,220.71 | 2,103.09 | 3,358.50 | 3,761.37 | 18,71,390 | 1,58,841 | 2,18,049 | 2,43,704 |
| 1.2 Inter-bank $ | 2,32,812.99 | 20,698.41 | 36,630.99 | 40,989.51 | 73,29,822 | 6,39,486 | 9,60,832 | 11,01,254 |
| 2 Internet Payments (Netbanking / internet browser based) @ | 32,493.63 | 2,977.78 | 3,187.18 | 3,233.71 | 4,15,81,497 | 34,07,315 | 40,03,452 | 39,60,872 |
| 2.1 Intra-bank @ | 6,886.15 | 619.27 | 598.49 | 631.51 | 2,06,01,554 | 16,46,090 | 17,95,714 | 17,23,311 |
| 2.2 Inter-bank @ | 25,607.48 | 2,358.51 | 2,588.68 | 2,602.20 | 2,09,79,943 | 17,61,225 | 22,07,737 | 22,37,561 |
| B. ATMs | ||||||||
| 3. Cash Withdrawal at ATMs $ | 60,905.81 | 5,660.71 | 5,545.36 | 6,037.78 | 28,89,826 | 2,68,881 | 2,57,964 | 2,89,913 |
| 3.1 Using Credit Cards $ | 51.41 | 4.85 | 4.98 | 5.64 | 2560 | 240 | 249 | 286 |
| 3.2 Using Debit Cards $ | 60602.23 | 5630.83 | 5512.90 | 6002.43 | 2878025 | 267747 | 256767 | 288605 |
| 3.3 Using Pre-paid Cards $ | 252.17 | 25.04 | 27.48 | 29.71 | 9240 | 893 | 948 | 1022 |
| 4. Cash Withdrawal at PoS $ | 394.77 | 34.11 | 5.37 | 4.79 | 1533 | 134 | 46 | 45 |
| 4.1 Using Debit Cards $ | 353.50 | 29.24 | 5.08 | 4.44 | 1484 | 129 | 40 | 39 |
| 4.2 Using Pre-paid Cards $ | 41.27 | 4.87 | 0.29 | 0.35 | 49 | 5 | 6 | 6 |
| 5. Cash Withdrawal at Micro ATMs @ | 9460.43 | 720.69 | 888.88 | 946.33 | 225420 | 18354 | 22793 | 24799 |
| 5.1 AePS @ | 9460.43 | 720.69 | 888.88 | 946.33 | 225420 | 18354 | 22793 | 24799 |
| PART III - Payment Infrastructures (lakh) | ||||
|---|---|---|---|---|
| As on March 2021 | 2020 October | 2021 | 2021 | |
| September | October | |||
| 1 | 2 | 3 | 4 | |
| Payment System Infrastructures | ||||
| 1 Number of Cards | 9,602.51 | 9,335.85 | 9,853.28 | 10,004.07 |
| 1.1 Credit Cards | 620.49 | 594.20 | 650.25 | 663.61 |
| 1.2 Debit Cards | 8,982.02 | 8,741.65 | 9203.03 | 9340.46 |
| 2 Number of PPIs @ | 21,952.60 | 20,143.54 | 22,461.77 | 25,307.71 |
| 2.1 Wallets @ | 20,052.10 | 18,578.63 | 20,203.10 | 22,886.70 |
| 2.2 Cards @ | 1,900.51 | 1,564.92 | 2,258.68 | 2,421.01 |
| 3 Number of ATMs | 2.39 | 2.34 | 2.41 | 2.41 |
| 3.1 Bank owned ATMs $ | 2.14 | 2.10 | 2.13 | 2.13 |
| 3.2 White Label ATMs $ | 0.25 | 0.24 | 0.28 | 0.28 |
| 4 Number of Micro ATMs @ | 4.04 | 3.49 | 5.13 | 5.34 |
| 5 Number of PoS Terminals | 47.20 | 45.81 | 49.77 | 51.55 |
| 6 Bharat QR @ | 35.70 | 26.05 | 52.85 | 45.59 |
| 7 UPI QR * | 925.22 | 657.45 | 1196.08 | 1283.81 |
| @: New inclusion w.e.f. November 2019 $ : Inclusion separately initiated from November 2019 - would have been part of other items hitherto. *: New inclusion w.e.f. September 2020; Includes only static UPI QR Code Note : 1. Data is provisional. 2. ECS (Debit and Credit) has been merged with NACH with effect from January 31, 2020. 3. The data from November 2019 onwards for card payments (Debit/Credit cards) and Prepaid Payment Instruments (PPIs) may not be comparable with earlier months/ periods, as more granular data is being published along with revision in data definitions. 4. Only domestic financial transactions are considered. The new format captures e-commerce transactions; transactions using FASTags, digital bill payments and card-to-card transfer through ATMs, etc.. Also, failed transactions, chargebacks, reversals, expired cards/ wallets, are excluded. |
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